Unity BancorpUNTY +2.76%69 PB Ratio is 1.66 as of Jun. 27, 2026, which is 18% above its 10-year median of 1.41. GuruFocus rates UNTY with a GF Score™ of 69/100 and a GF Value™ of $52.43 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,516 Banks companies, Unity Bancorp ranks worse than 82.45% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-27), Unity Bancorp's share price is $59.35. Unity Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $35.66. Hence, Unity Bancorp's PB Ratio of today is 1.66.
Warning Sign:
Unity Bancorp Inc stock PB Ratio (=1.66) is close to 5-year high of 1.68.
The historical rank and industry rank for Unity Bancorp's PB Ratio or its related term are showing as below:
UNTY'
s PB Ratio Range Over the Past 10 Years
Min: 0.66 Med: 1.41 Max: 2.08
Current: 1.66
During the past 13 years, Unity Bancorp's highest PB Ratio was 2.08. The lowest was 0.66. And the median was 1.41.
UNTY's PB Ratio is ranked worse than 82.45% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs UNTY: 1.66
During the past 12 months, Unity Bancorp's average Book Value Per Share Growth Rate was 17.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 15.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 15.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 14.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Unity Bancorp was 16.00% per year. The lowest was -12.50% per year. And the median was 10.50% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Unity Bancorp PB Ratio Related Terms
Unity Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Unity Bancorp's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Unity Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Unity Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Unity Bancorp's PB Ratio for today is calculated as follows:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Unity Bancorp (UNTY) has a PB Ratio of 1.66 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Unity Bancorp and its competitors. This is 18% above median its historical median of 1.41. Over the past decade, Unity Bancorp's PB Ratio has ranged from 0.66 to 2.08. According to the industry distribution chart, Unity Bancorp ranks #1250 out of 1516 companies in the Banks industry, placing it in the top 82.5%.
Is Unity Bancorp's PB Ratio too high?
Unity Bancorp's current PB Ratio of 1.66 is 18% above median its 10-year median of 1.41. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 2.08. The Banks industry median PB Ratio is 1.09. Unity Bancorp's value of 1.66 is 52.3% above this industry median. Based on the distribution chart, Unity Bancorp ranks #1250 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Unity Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's PB Ratio compare to ACNB and NRIM?
According to the Banks industry distribution chart, Unity Bancorp ranks #1250 out of 1516 companies for PB Ratio. This places Unity Bancorp in the lower half of its industry. The industry median PB Ratio is 1.09. Unity Bancorp's value of 1.66 is 52.3% above this benchmark. Historically, Unity Bancorp's own PB Ratio has ranged from 0.66 to 2.08 over the past decade. While the company's 10-year median is 1.41 vs. the industry median of 1.09, Unity Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bancorp's current PB Ratio of 1.66 is 52.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Unity Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current PB Ratio is 1.66, which is 18% above median its own 10-year median of 1.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unity Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Unity Bancorp (UNTY) is currently considered Modestly Overvalued. The stock's GF Value™ is $52.43, compared to a current price of $59.35 — trading 13.2% above its estimated fair value. The current PB Ratio is 1.66, which is 18% above median its 10-year median of 1.41 and 52.3% above the Banks industry median of 1.09. Unity Bancorp's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current PB Ratio is 1.66 as of Jun. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Unity Bancorp (UNTY) Overvalued in 2026?
Based on GuruFocus' analysis, Unity Bancorp stock appears to be overvalued.
The current stock price of $59.35 is trading 13.2% above its estimated GF Value™ of $52.43.
GuruFocus considers Unity Bancorp to be Modestly Overvalued.
Key valuation signals for UNTY:
PB Ratio: 1.66 (18% above median its 10-year median of 1.41)
GF Value™: $52.43 vs. price of $59.35 (13.2% above fair value)
Industry Position: 52.3% above the Banks median (#1250 of 1516)
No single metric tells the full story. See the UNTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unity Bancorp Inc is a bank holding company that serves as a holding company for Unity Bank. The Company has elected to become a financial holding company pursuant to regulations of the Board of Governors of the Federal Reserve System (the FRB). The Company's primary business is ownership and supervision of the Bank. The Company and the Bank derive a majority of their revenue from net interest income (i.e., the difference between the interest received on loans and securities and the interest paid on deposits and borrowings). The Company, through the Bank, conducts a traditional and community-oriented commercial banking business and services, personal and business checking accounts, time deposits, money market accounts, savings accounts, credit cards, automated teller service, and others.
69GF Score
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